Building alternative lending solution together

CredoLab has partnered with Visa to help financial institutions roll out the best credit card products to their customers. Be it in a developing country without credit bureau or a developed country, this partnership brings the best technology has to offer to underwrite new-to-credit, millennials, small business owners.

Why Should This Excite You?

Faster Decision

Shorten the time-to-yes from days to less than 1 minute with creditworthiness done in real-time.

Lower Cost of Risk

Increase the accuracy of your credit decisions with AI and smartphone metadata to get higher approval rates at lower cost of risk.

Complete Data Privacy

Shorten the time-to-yes from days to less than 1 minute with creditworthiness done in real-time.

Drive Better Customer Experience

Create the ultimate customer experience by enabling increased financial literacy and access to insurance and financial services for qualified and interested users.

Going Truly Digital

Digital banking solutions to streamlining and effectively execute your innovative plans so you can focus on advancing your ideas

Worldwide Support

A global network of experts to ensure you have the resources to rapidly build your most cutting-edge products with our world-class guidance and support.

Discovering modern credit risk scoring in buy now, pay later

Challenge accepted:
How challenger banks can grow profitably

Access this ebook now to learn more about the latest thinking and research on how BNPL can thrive.



This rule triggers when a device has been confirmed as fraudulent


This rule triggers when the device is on a blacklist


This rule triggers when an application originates from a location marked as risky


This rule triggers when inconsistencies are identified on a device


This rule triggers when the same device applies for multiple loans


This rule triggers when a device looks suspiciously like confirmed fraudulent devices


Crunches nearly 1 million behavioural features from opt-in metadata to generate credit scores

Device Risk

Uses device recognition and intelligence technology to track over 45 types of fraud and abuse

How do we fit into your business model?

Arrange a meeting with us to discuss